Bike Insurance in Chandani Chauk

What is included in Bike Insurance?

Bike insurance typically includes coverage for the following:

1. Third-party liability: This provides coverage for any bodily injury or property damage caused to third parties by the insured bike rider.

2. Own damage: This covers the repair or replacement cost of the insured bike in case of accidental damage due to collision, fire, theft, vandalism, natural disasters, or any other covered perils.

3. Personal accident cover: It provides coverage for accidental death or bodily injury sustained by the insured rider while riding the insured bike.

4. Medical expenses: This covers the medical treatment expenses incurred by the insured rider in case of an accident while riding the insured bike.

5. Roadside assistance: Some bike insurance policies also offer roadside assistance services, which may include services like towing, battery jump-start, fuel delivery, and flat tire assistance.

6. No Claim Bonus (NCB): Insured bike riders are eligible for a No Claim Bonus if they do not make any claims during the policy period. This leads to a discount in the premium for the next policy term.

It's important to note that the coverage specifics, inclusions, and exclusions may vary depending on the insurance provider and the policy terms and conditions. Therefore, it is advisable to read the policy document carefully or consult with the insurance provider to understand the coverage details.

What is not included in Bike Insurance?

There are certain things that are typically not included in bike insurance coverage. Some common exclusions are:

1. Damage caused by general wear and tear of the bike.
2. Damage caused intentionally or due to negligence.
3. Theft or damage resulting from leaving the bike unattended without proper locks or security.
4. Loss or damage resulting from racing or participating in competitive events.
5. Any modifications or alterations made to the bike without prior approval from the insurance provider.
6. Damage caused by natural disasters like floods, earthquakes, or hurricanes (unless specified otherwise).
7. Personal belongings carried on the bike, such as phones, wallets, or other valuables.
8. Damage or injuries caused while riding the bike under the influence of drugs or alcohol.
9. Any damage or loss outside the coverage territory specified in the insurance policy.
10. Mechanical breakdowns or failures, unless specifically covered under an extended warranty or service plan.

It is crucial to carefully review the policy terms and conditions to understand the complete list of exclusions before purchasing bike insurance.